Lending standards for most business and residential real estate loans as well as subprime consumer loans are tighter than the 10-year average, according to a survey of senior bank loan officers released by the Federal Reserve Board.

The central bank's quarterly Senior Loan Officer Opinion Survey included a series of special questions concerning the overall strength of lending standards today versus the average since 2005, effectively asking loan officers to gauge whether the lending atmosphere today is more or less stringent than it has been in the last ten years. Responding officers said that for most categories, lending conditions are more stringent today than they had been.

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